Lower Your 2013 Chevrolet Silverado 2500HD Car Insurance Quotes

Want better auto insurance rates for your Chevrolet Silverado 2500HD? High-priced auto insurance can take a big chunk out of your personal savings and put a big crunch on your finances. Vehicle owners have many insurance companies to insure vehicles with, and though it is a good thing to be able to choose, it can be more challenging to find the lowest cost provider.

It’s important to compare prices quite often because auto insurance prices are variable and change quite frequently. Even if you think you had the best rates for SilveradoHD insurance a year ago you can probably find a better premium rate now. Ignore everything you know about auto insurance because you’re about to find out the best methods to reduce your cost while improving coverage.

The most recommended method to compare policy rates is to know the fact car insurance companies allow for online access to quote your coverage. To begin a comparison, all you need to do is provide a little information like if it has an alarm system, marital status, what your job is, and if you require a SR-22. The rating information is instantly sent to insurance companies and you should receive rate quotes instantly.

To start a quote now, click here and see if a lower rate is available.

Don’t be fooled by advertising claims

Drivers can’t escape the ads for cheaper insurance coverage from the likes of Allstate, GEICO and Progressive. They all make an identical promise about savings if you get a free car insurance quote and switch your insurance coverage policy to them.

How is it possible that every company can offer drivers better rates? It’s all in the numbers.

Different companies have an ideal profile for the driver that will most likely be profitable. A good example of a driver they prefer might be married and over the age of 30, carries high limits, and has a short commute. Anyone that fits those parameters will probably get cheap rates and will most likely save a lot of money.

Insureds who don’t measure up to the requirements will be charged higher prices and the customer not purchasing. The ads say “drivers who switch” not “everybody who quotes” save that kind of money. That’s why companies can make claims like that.

Because each company has a different risk profile, you absolutely need to get car insurance quotes from several different companies. It’s just not possible to know which company will have the lowest rate quotes.

Auto insurance policy discounts

Insuring your vehicles can cost a lot, but you may qualify for discounts to reduce the price significantly. Many discounts should be triggered at the time you complete a quote, but a few need to be asked about before being credited.

  • Membership in Organizations – Having an affiliation with qualifying employment or professional organizations is a simple method to lower premiums on auto insurance.
  • Theft Deterent System – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and will save you 10% or more.
  • Good Grades Discount – Being a good student can be rewarded with saving of up to 25%. You can use this discount normally until age 25.
  • Multi-line Discount – Select insurance companies reward you with a break if you buy some life insurance too.
  • No Claim Discounts – Drivers with accident-free driving histories have much lower rates in comparison with insureds who have frequent claims or accidents.
  • Accident Forgiveness Coverage – This one is not really a discount per se, but certain companies will turn a blind eye to one accident before hitting you with a surcharge if you have no claims prior to being involved in the accident.

As a sidenote, most credits do not apply to the entire cost. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like you would end up receiving a 100% discount, that’s just not realistic.

Some of the insurance companies that possibly offer some of the above discounts may include but are not limited to:

Before purchasing a policy, check with every insurance company which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered in your state. To locate insurers that provide some of the discounts listed above, click here.

How do I know if I need professional advice?

When it comes to buying proper insurance coverage, there really is no “perfect” insurance plan. Everyone’s needs are different and your policy should reflect that. For instance, these questions might help in determining whether you might need professional guidance.

  • Is other people’s property covered if stolen from my vehicle?
  • Do I pay less if my vehicle is kept in my garage?
  • Will my insurance pay for OEM parts?
  • Can I afford to pay high deductible claims out of pocket?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is pleasure use cheaper than using my 2013 Chevy Silverado 2500HD to commute?
  • How much liability coverage do I need in my state?
  • Am I covered by my spouse’s policy after a separation?
  • Should I get collision insurance on every vehicle?
  • Does liability extend to a camper or trailer?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverages and their meanings

Understanding the coverages of a auto insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the normal coverages offered by auto insurance companies.

Protection from uninsured/underinsured drivers

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your Chevy Silverado 2500HD.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages do not exceed the liability coverage limits.

Liability coverages

Liability coverage will cover damage that occurs to other’s property or people. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as court costs, funeral expenses, repair costs for stationary objects, emergency aid and attorney fees. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like vandalism, damage from getting keyed and theft. The maximum payout your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like EMT expenses, pain medications, surgery and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Collision protection

Collision coverage pays for damage to your Silverado 2500HD resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as colliding with another moving vehicle, hitting a mailbox, colliding with a tree, driving through your garage door and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Money doesn’t grow on trees

While you’re price shopping online, make sure you don’t buy poor coverage just to save money. There are too many instances where consumers will sacrifice comprehensive coverage or liability limits only to discover later they didn’t purchase enough coverage. Your aim should be to purchase plenty of coverage at the best possible price and still be able to protect your assets.

Lower-priced 2013 Chevy Silverado 2500HD insurance can be purchased online and from local insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies may not have online rate quotes and these regional carriers only sell coverage through independent agencies.

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